Bad Credit Business Loans for 2019

Find out how your business could get a loan, even with bad credit. Includes a table of the leading loan providers and frequently asked questions.

Updated on June 28th, 2019

The SMB Guide is reader-supported. When you buy through links on our site, we may earn an affiliate commission. Learn more

Bad credit business loans exist to help business owners with bad credit gain access to financing. There could be any number of reasons why you have a bad credit history, but it shouldn't stop you from getting a small business loan. Fortunately, there are some lenders who provide small business loans for bad credit situations.

Below you'll find a table with financial institutions that offer business loans for bad credit, as well as a step-by-step guide on how to get a small business loan with bad credit. Finally, there are also frequently asked questions about business funding with bad credit.

Best Business Loans for Bad Credit:

Loan Provider

Loan Amount

Interest Rate


$300 - $1,000,000

Quote only.


$0 - $250,000

4.8% and up


$5,000 - $500,000

16.99% - 22.99%


$5,000 - $100,000

4.66% and up


$2,000 - $250,00

24% - 99%


$1,000 - $5,000,000

8% and up

National Funding

$5,000 - $500,000

Quote only.


$0 - $500,000

9% - 25%


$5,000 - $200,000

30% - 70%


$2,000 - $250,000

9% - 40%


How do I get a business loan with bad credit?

If you are trying to get a business loan with bad credit, it is likely that major banks will either turn you down or charge incredibly high interest rates. If your credit score is bad, you can approach alternative lenders like the ones listed in the table above.

Learn more about Business Loans for Bad Credit.

Business Loans Bad Credit

Where can I get a business startup loan with bad credit?

See the full list of Best Business Loans for Bad Credit.

Are there no credit check business loans?

There are some loan providers that offer small business loans with no credit check. Fundera provides small business loans with no hard credit check, meaning the credit check for the loan does not affect your credit score in any way.

Get more information on Business Loans for Bad Credit.

Where can I find small business loans for minorities with bad credit?

Institutions like Kabbage, Fundbox, and Quarterspot all have loan options for minority groups that need a business loan but have bad credit. If you are looking into other bad credit small business loans, ask about minority rates or products.

Does anyone offer bad credit start-up business loans with guaranteed approval?

While there are many financial institutions that can provide small business startup loans on bad credit, no one can guarantee that you will be approved. After all, a loan is a risky investment for the lender, and sometimes the risk is too high to be justified.

Can I get a business line of credit with bad credit?

Some financial institutions that offer startup business loans for people with bad credit can also give your business access to a line of credit even if you have a poor credit score. Bluevine and Fundbox both offer lines of credit to businesses with a poor credit history.

Where can I get fast business loans with bad credit?

OnDeck has some of the fastest loan approval times. In many cases, you could qualify for a loan from OnDeck in just one to three days. Fundbox has a similar timeline for loan approval on small business loans for bad credit scores.